Natural hazards · Cedar Hill

Cedar Hill, TX natural hazards

Most of the natural-hazard damage FEMA expects in Cedar Hill comes from heat waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 27 claims here since 1984. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Cedar Hill?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedar Hill to be higher than in 42% of U.S. communities, mostly from heat waves and inland flooding.

Heat waves33%Inland flooding28%Tornadoes13%Hail13%Cold waves11%Everything else2%

By hazard

What Cedar Hill faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Heat waves

33% of expected damage

Below average · higher than 46% of U.S. places

Recorded about 19 times a year in the area

Inland flooding

28% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 94% of U.S. places

Hail

13% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 9 times a year in the area

Cold waves

11% of expected damage

Well above average · higher than 79% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Cedar Hill flood?

Every paid claim on a federal flood insurance policy in Cedar Hill, from FEMA’s records.

27paid claims since 1984

$854Kpaid to owners

4homes flooded more than once

19842026

Biggest named events

Dallas Flash Floods: 3 claims, $247K
Early summer storms: 3 claims, $55K
March storm: 1 claim, $41K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cedar Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Dallas County.

What’s been done with FEMA grants

7storm safe rooms built

Disasters that hit Cedar Hill

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Cedar Hill itself: aid to households, or repair grants to the City of Cedar Hill.

Brought FEMA money into Cedar HillDeclared for Dallas County only

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

660 households applied for aid $338K aid approved

2021

Severe Winter Storms

1,515 households applied for aid $917K aid approved $173K to the City of Cedar Hill for repairs

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

25 households applied for aid $12K aid approved $33K to the City of Cedar Hill for repairs

2005

Hurricane Katrina Evacuation

$754K to the City of Cedar Hill for repairs

Dallas County has had 23 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Cedar Hill

Cedar Hill and the towns around it

Very lowLowModerateHighVery high

DeSotomostly inland floodingHigh

Duncanvillemostly inland floodingModerate

Grand Prairiemostly inland floodingModerate

Dallasmostly inland floodingModerate

Cedar Hillmostly heat wavesModerate

Ovillamostly inland floodingLow

Midlothianmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Cedar Hill covers 10 census tracts, combined by population.

Money that reached townFlood claims are matched to Cedar Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Cedar Hill. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Cedar Hill total about $14.4M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.